Finding low rates for Louisiana SR22 insurance doesn’t have to be a chore when you work with UltraCar Insurance. We work with top rated insurance companies to ensure the best services and rates. Within 20 minutes we can issue your SR22 insurance certificate and file it with the Louisiana Department of Motor Vehicles. UltraCar Insurance is the convenient and affordable solution when you need Louisiana SR22 insurance.
What is Louisiana SR22 Insurance?
SR22 insurance Louisiana is required by the state when a driver’s license has been suspended or revoked. An individual’s driving privileges can be suspended or revoked for various reasons, such as driving without the minimum required liability insurance, being cited for a DUI or DWI, or accumulating an excessive number of tickets. Whatever the reason for a person’s license suspension or revocation, they will have to purchase Louisiana SR22 insurance to legally operate a vehicle.
After a Louisiana SR22 insurance certificate is filed with the Louisiana Department of Motor Vehicles, the insurance provider ensures that the policy remains in force for a specific period of time – usually three to five years. The SR22 filing is a guarantee to the state that the driver remains insured with the required liability insurance coverage during that time. If the driver allows his policy to lapse, expire or be canceled, the insurance provider is required to notify the DMV by completing an SR26 filing. This will result in the DMV suspending driving privileges again.
Louisiana SR22 insurance is usually purchased with liability only coverage, but the policy can be written with additional comprehensive and collision coverage if desired.
Louisiana requires all drivers to carry a minimum amount of liability insurance:
- $15,000 bodily injury per accident
- $30,000 bodily injury liability for all injuries in an accident
- $25,000 in property damage, in one accident
Drivers who don’t own a vehicle registered in their name can purchase non owner Louisiana SR22 insurance. This is secondary liability coverage in the event that the policy holder is involved in an at-fault accident while driving another person’s vehicle. The vehicle owner’s primary insurance will pay claims up to the maximum limits, and any claims exceeding the primary insurance coverage will be paid by the non owner SR22 insurance. This coverage is only for vehicles that are borrowed on occasion – not for vehicles that are in the policy holder’s household. For more information on non owner SR22 insurance, see our article titled Non Owner SR22 Insurance Louisiana.
More information about licensing, motor vehicle laws and penalties for moving violations can be found on the Louisiana DMV Website.
UltraCar Insurance in Louisiana
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